Life Insurance and Disability
These benefits can provide you and your family with income security when you need it the most.
Basic Term Life Insurance
DeKalb County covers the full cost of the Basic Life and AD&D Insurance benefit described below.
Basic Term Life Benefits
- For full-time employees: benefit equal to 2.25 times your basic annual earnings, rounded to the next higher $1,000, subject to a maximum of $250,000
- For part-time employees working between 20-39 hours weekly: benefit equal to 1.125 times your basic annual earnings, rounded to the next higher $1,000, subject to a maximum of $125,000
Additional Benefits
If you enroll in Basic Term Life, you are automatically enrolled in Accidental Death and Dismemberment (AD&D) Coverage. If you are seriously injured or lose your life in an accident, you will be eligible for a benefit equal to your Basic Term Life coverage.
You are also automatically enrolled in Dependent Term Life with a flat benefit of $5,000.
Note: If you don’t enroll in Basic Term Life when you are first eligible, you will be required to undergo medical testing and/or answer a medical questionnaire to be approved for coverage.
Supplemental Life Insurance
You must enroll in Basic Term Life to enroll in any of these options. All options include supplemental AD&D coverage equal to your Supplemental Life Insurance.
Benefit Options
- For yourself: Choose one, two, three, or four times your basic annual earnings (rounded to the next higher $1,000) up to a $1,000,000 maximum benefit ($500,000 for part-time employees)
- For your spouse: Choose coverage in $10,000 increments up to a $100,000 maximum benefit
- For your child(ren): Flat benefit of $5,000
Note: If you choose more than three times your annual earnings or $100,000 for yourself, you will be required to undergo medical testing and/or answer a medical questionnaire to be approved for coverage. Your spouse will have these requirements if you choose coverage of more than $20,000. In addition, these requirements apply if you and/or your spouse didn’t enroll when first eligible.
Cost for Coverage
The rate for Supplemental Life and AD&D depends on your age.
| Supplemental Employee/Spouse/Domestic Partner Life and AD&D | |
|---|---|
| Age (Rate changes on your birthday) |
Monthly Rate Per $1,000 of Coverage |
| Less than 30 | $.10 |
| 30 – 34 | $.11 |
| 35 – 39 | $.14 |
| 40 – 44 | $.17 |
| 45 – 49 | $.22 |
| 50 – 54 | $.35 |
| 55 – 59 | $.62 |
| 60 – 64 | $.78 |
| 65 – 69 | $1.44 |
| 70+ | $2.29 |
Short-Term Disability (STD)
This coverage is available through Aflac. It can help offer peace of mind if an unexpected sickness or injury occurs (due to a non-work-related illness or injury) and provides coverage for pregnancy. It provides monthly cash benefits to help you replace lost income if you are unable to work.
Benefit Options
- Income replacement level: Choose 20%, 40%, or 60% of base annual pay, not to exceed $6,000 in monthly benefits. Health questions will be required if your income replacement level selected equals more than $4,000 in monthly benefits.
- Benefit period: Choose 12 or 24 months.
When Benefits Start
Benefits start the first day after the elimination period (30 days), when you are totally disabled and cannot work. A pre-existing condition limitation does apply.
Important Notes
A physician must be consulted within 72 hours of incurring the injury or illness in order for a claim to be approved.
If electing a STD plan, any salary increase received does not automatically increase your coverage. You must take the following steps:
- Contact the Employee Benefits Team to let them know that you would like to increase your STD amount due to receiving a salary increase.
- The Employee Benefits Team will let you know when to log in to the system and complete the STD amount increase.
- Be sure to submit the form at the very end, or your STD amount increase will not take effect.
